[請益] 買車後變月光族了
買車前,活存帳戶金額有慢慢的在累積
買車後,一整個月光,活存增加的極度緩慢
甚至有時候花太兇,存簿金額還會倒退
今天終於花時間算了一下,終於發現可怕的事實
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魯蛇小弟我薪資超低,月薪只有少少的42K
每月定存利息約3K (存本取息)
投資有賺有賠、活存利息超低,先不算在收入
年終拿來孝親,以及繳所得稅、房屋稅等一次性花費則差不多打平
所以年終也先不討論
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未買車前每月平均收支如下 (大約)
收入
月薪 42K
利息 3K
支出
定存 10K
投資 20K 股票、基金為主
保險 0.57K 含機車險及人身險
伙食 1.5K
治裝 0.1K
交通 0.3K 機車為主
玩樂 2K
手機 0.25K 中華183 + mPro 450 (優惠流量1.5G)
雜支 2.5K 水、電、瓦斯,及生活用品
每月約有7~8K可以活存
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買車後,每月平均增加了以下幾項支出
稅金 0.99K 還好只是1800cc以下小車...
車險 0.57K 強制險 + 第三人責任險
停車 2K 兩處停車位,經常往返缺一不可
保養 0.4K 每年兩次保養,每次約2.5K
油錢 3K 每年一萬多公里,有車後不當宅男了
如此一來每月活存剩不到1K ...
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月光的生活很不踏實,活存停留在4X萬很久了
但是似乎又擠不出更省的方法,看來只能想辦法增加收入
我想到的是把活存再撥20萬去定存,以增加利息收入
以我目前月光的生活似乎不太適合?月光族好像應該留點可隨時花用的錢?
或是投資部分盡量不要賠錢?但這談何容易?
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